Can I retire at age 40 with 365,000?

Use the below retirement simulation to view the chances of a successful retirement.
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $365,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$30,141$29,873$29,611$29,355$29,106$28,039
2 years$14,921$14,644$14,374$14,113$13,860$12,798
3 years$9,849$9,570$9,301$9,042$8,793$7,768
4 years$7,313$7,035$6,769$6,515$6,271$5,292
5 years$5,792$5,515$5,253$5,004$4,767$3,835
6 years$4,778$4,504$4,245$4,002$3,772$2,888
7 years$4,054$3,782$3,528$3,290$3,068$2,232
8 years$3,512$3,242$2,992$2,760$2,545$1,757
9 years$3,090$2,823$2,577$2,351$2,143$1,401
10 years$2,753$2,488$2,247$2,026$1,826$1,129
11 years$2,477$2,215$1,978$1,764$1,571$917
12 years$2,247$1,988$1,755$1,547$1,361$749
13 years$2,053$1,797$1,568$1,366$1,187$615
14 years$1,887$1,633$1,409$1,212$1,040$507
15 years$1,743$1,492$1,272$1,081$916$420
16 years$1,617$1,369$1,153$968$810$348
17 years$1,506$1,261$1,050$870$718$289
18 years$1,408$1,165$958$784$638$241
19 years$1,320$1,080$877$708$569$201
20 years$1,241$1,003$805$641$508$167
21 years$1,169$934$740$582$455$140
22 years$1,104$872$682$529$408$117
23 years$1,045$816$630$482$366$98
24 years$991$764$583$440$329$82
25 years$941$717$540$402$296$69
26 years$895$674$501$367$267$58
27 years$853$634$465$336$240$48
28 years$814$598$432$308$217$40
29 years$777$564$402$282$196$34
30 years$743$533$375$259$177$28
31 years$711$504$349$238$160$24
32 years$682$476$326$219$145$20
33 years$654$451$304$201$131$17
34 years$628$428$284$185$119$14
35 years$603$406$266$170$107$12
36 years$580$385$249$157$97$10
37 years$558$366$233$145$88$8
38 years$537$347$218$133$80$7
39 years$518$330$204$123$73$6
40 years$499$314$191$113$66$5
41 years$481$299$179$105$60$4
42 years$465$285$168$96$54$3
43 years$449$272$158$89$49$3
44 years$434$259$148$82$45$2
45 years$419$247$139$76$40$2
46 years$406$235$131$70$37$2
47 years$392$225$123$65$33$1
48 years$380$215$115$60$30$1
49 years$368$205$108$55$28$1
50 years$356$196$102$51$25$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 40 starting with $365,000, adding $3,837 every year, while hoping to spend $30,984 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 68/25/7 Blend
39$365,000$365,000$365,000$365,000
40$406,188$386,843$381,185$433,075
41$414,652$372,831$360,988$437,382
42$422,942$357,095$339,076$437,969
43$431,005$339,516$315,359$437,776
44$438,787$319,971$289,742$436,721
45$446,222$298,329$262,128$434,715
46$453,240$274,450$232,412$431,660
47$459,761$248,189$200,489$427,452
48$465,697$219,391$166,245$421,976
49$470,948$187,890$129,564$415,104
50$475,403$153,516$90,323$406,701
51$478,940$116,084$48,395$396,617
52$481,422$75,402$3,646$384,689
53$482,696$31,266$0$370,741
54$482,594$0$0$357,872
55$480,927$0$0$347,632
56$477,487$0$0$344,652
57$472,043$0$0$340,158
58$464,337$0$0$333,956
59$454,086$0$0$325,834
60$440,975$0$0$315,554
61$424,654$0$0$302,855
62$404,738$0$0$287,446
63$380,799$0$0$269,008
64$352,363$0$0$247,184
65$318,908$0$0$221,583
66$279,854$0$0$191,770
67$234,561$0$0$157,264
68$182,324$0$0$117,536
69$122,358$0$0$71,999
70$53,802$0$0$20,006
71$0$0$0$0
72$0$0$0$0
73$0$0$0$0
74$0$0$0$0
75$0$0$0$0
76$0$0$0$0
77$0$0$0$0
78$0$0$0$0
79$0$0$0$0
80$0$0$0$0
81$0$0$0$0
82$0$0$0$0
83$0$0$0$0
84$0$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0